Oghma Capital's service strategy
Client
Oghma Capital, a credit solutions specialist for individuals and businesses (Home Equity, Auto Equity, Construction Loans). Acts as Banking Correspondent structuring exclusive proposals beyond traditional banks.
Role
Founding Design Consultant
Team
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4 Co-Founder & Credit Specialists
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4 Co-Founder & Credit Specialists
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Content Specialist
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Content Specialist
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Marketing Manager
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Marketing Manager
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Senior Full-Stack Developer
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Senior Full-Stack Developer
Challenge
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Need to scale personalized credit service while maintaining "digital in process, human in essence" positioning
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Need to scale personalized credit service while maintaining "digital in process, human in essence" positioning
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Fragmented manual process across multiple touchpoints
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Fragmented manual process across multiple touchpoints
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No integration between tools, inconsistent customer experience
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No integration between tools, inconsistent customer experience
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Lack of visibility into conversion funnel gaps
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Lack of visibility into conversion funnel gaps
Key actions
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Mapped complete customer journey from awareness to closed deal
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Mapped complete customer journey from awareness to closed deal
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Designed seamless touchpoints
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Designed seamless touchpoints
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Implemented AI orchestration
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Implemented AI orchestration
Impact
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Contributed to +R$ 164M in operations volume, +7,680 clients served, +670 contracts closed
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Contributed to +R$ 164M in operations volume, +7,680 clients served, +670 contracts closed
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100% online process with average approval time of 10-15 days (competitive for credit sector)
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100% online process with average approval time of 10-15 days (competitive for credit sector)
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Positioned for Marco Legal das Garantias (Law 14.711/23): Service blueprint implemented before July 2025 regulatory change allowing multiple loans on same property, enabling competitive advantage during market expansion
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The launch introduced a new SaaS model for Greiner, with subscription plans ranging from BRL 200 to BRL 990 per month 2022
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Positioned for Marco Legal das Garantias (Law 14.711/23): Service blueprint implemented before July 2025 regulatory change allowing multiple loans on same property, enabling competitive advantage during market expansion
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Automated orchestration eliminated manual handoffs while preserving human touchpoints at critical moments
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Automated orchestration eliminated manual handoffs while preserving human touchpoints at critical moments
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Scalable service architecture enabling growth without proportional team expansion
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Scalable service architecture enabling growth without proportional team expansion
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© Stephan Oliveira, 2026
stephan.oliveira.design@gmail.com
© Stephan Oliveira, 2026
stephan.oliveira.design@gmail.com
© Stephan Oliveira, 2026
stephan.oliveira.design@gmail.com
